Terms

1. Who and what these terms cover

These terms apply between Alexander Richard Hecking, Oskarstraße 54, 46149 Oberhausen, Germany ("we") and you, for everything on financial-decision.de: the free offer and the paid Decision packages. Terms of your own do not apply unless we accept them in writing.

2. The free offer

The Library, the live sessions, the question form and the Orientation Call are free for employees of participating companies and are opened with a password the company forwards internally. The password is meant for that company's employees; please do not pass it on outside the company.

Everything in the free offer is general education: it explains how the German system works, in English, and never replaces individual tax, legal or investment advice. No advisory contract comes into being by reading a guide, attending a session or sending a question. We may change, pause or end parts of the free offer at any time; a company may stop forwarding the link at any time, and nothing is owed either way.

If you send a question that needs a licensed tax advisor, we pass it, only with your consent, to a suitable English-speaking tax advisor from our network, and you hear from us within 48 hours. The advisor then deals with you under their own terms.

3. The Decision packages

A Decision package is fee-only advice with a defined outcome: the sessions described on the package page and a written Decision Document. For Decision: Pension and Decision: Health insurance the Decision Document explains each contract and shows both sides, and the decision is yours; it does not contain a recommendation to keep, change or cancel an insurance contract. Decision: First portfolio and Decision: Property contain the recommendations described on their pages, within the §34h GewO permission.

Not included in any package: your tax return, legal advice, buying or selling anything on your behalf, and anything that is not on the package page. We rely on the documents and facts you give us; the Decision Document is only as complete as they are.

4. How a package is booked

1. You request a place with the form on the package page. That is not yet a booking.
2. We confirm a place by email within one working day, or offer the next available month. The confirmation names the price, the payment link or invoice, and the calendar for session 1.
3. The contract is concluded when you pay the fee. The place is held for 48 hours after the confirmation; if the fee has not arrived by then, we may give the place to the next person on the list.
4. Before the first session you receive the status information under §12 FinVermV and the service agreement to sign online.

5. Price and payment

The price is the fixed price stated on the package page when you request the place; there is no hourly rate. [VAT wording – to be set: prices include VAT, or VAT is not charged under §19 UStG.] Payment is by card or SEPA through the payment link, or by invoice, and is due before session 1.

6. Dates, rescheduling, cancelling

Sessions take place by video at the dates agreed in the confirmation. You can reschedule a session from the confirmation email up to 24 hours before it starts; a session missed without notice can be rescheduled once. You can cancel the package by email any time before session 1 and the fee comes back in full. After session 1 the money-back guarantee in section 7 applies.

7. Money-back guarantee

If the Decision Document is not worth the fee to you, send one email within 14 days of receiving it and the fee comes back in full, without a form and without a reason. You keep the document. The guarantee is on the fee, never on what a contract or an investment will pay out: nobody can promise that, and whether you keep, change or open a contract stays your decision.

8. Right of withdrawal for consumers

If you book a package as a consumer, you have the statutory right to withdraw from the contract within 14 days of concluding it, without giving a reason. To withdraw, send a clear statement (for example an email to info@financial-decision.de) within that period; the model form below may be used but is not required. If you ask us to start the sessions before the 14 days have passed and then withdraw, you owe a proportionate share of the fee for what was delivered until your withdrawal; in practice the money-back guarantee in section 7 is more generous and applies alongside this right.

Model withdrawal form: "To Alexander Richard Hecking, Oskarstraße 54, 46149 Oberhausen, info@financial-decision.de: I hereby withdraw from my contract for the following package: [package], requested on [date]. Name, address, date, signature (only on paper)."

9. Liability

We are liable without limit for intent, gross negligence, injury to life, body or health, and under mandatory law. For slight negligence we are liable only for the breach of a duty that makes the contract possible in the first place, and only for the damage that was foreseeable when the contract was concluded. The decisions you take on the basis of a Decision Document are yours; we do not promise any return or any outcome of a contract.

10. The property partner

If property becomes relevant, a separate property partner may act for you under its own contract. That partner is paid by commission, typically 3% of the purchase price, and tells you how much and who pays before you sign. We receive nothing from it beyond what the status information states.

11. Data protection

How we handle your data is on the Datenschutz page; the status information under §12 FinVermV is on its own page.

12. Final provisions

German law applies; if you are a consumer, the mandatory consumer protection of the country where you live remains unaffected. The language of the contract is English; a German version is provided on request, and in a dispute the German law applies to the interpretation. [Statement under §36 VSBG on consumer dispute resolution, as in the Impressum.] If a provision of these terms is invalid, the rest stays in force.